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@Mrs. Lemon-Lime: I hope you get some say going forward :)!
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If you had private insurance that already covered what the ACA requires to be covered (which, if you have a professional job is almost everyone), then ACA had no effect on you. Any insurance company that claims they are raising your premium due to ACA is full of shit. They are just using it as an excuse to do what they do every year anyways. Why not blame Obama rather than admit they are raising prices just because they can?
ETA: I'm grateful for Obamacare. It doesn't really affect me right now because we are on my husband's employers plan (which is covering less and costing more next year, as it has EVERY SINGLE YEAR because thats the trend). But before being on his plan I was basically uninsurable due to a preexisting condition. I'm grateful that if he ever lost his job I'd still have access to healthcare. Same for my brother. He would be completely uninsurable if he were to lose his job before Obamacare, and now I know he'll be covered regardless of his job situation.
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I haven't been able to get on the website, but I hope it helps me. I pay $220 a month for private insurance, $3k deductible no co pay, gotta pay every doctor visit out of pocket til I hit the deductible. The ironic thing is I go to the doctor once a year, never sick, etc. So...yeah...basically I pay them in case I break an arm, leg or have a horrible accident. I also don't have maternity, not that I plan on anymore.
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For people saying it hurts small business owners, how? Small business owners are exempt.
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@jedeve: small business owners still need insurance, even if they aren't insuring their employees.
It's based on your gross income and doesn't take into consideration your expenses or taxes. If you have rental properties, for instance, that income is included!
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@Mrs. Jump Rope: That is not true. It is based on your modified adjusted gross income. Business expenses are deducted just like they are for anything else.
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We had a platinum plan that didn't cover pediatric dental (which we didn't need because we have a dental plan that covers pediatric dental) so we had to get a new plan. Premiums went down but out of pocket maximums went up over 6k for a plan that was close but not as good.
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@jedeve: for one, if you want to offer health insurance as a small business employer the taxes have increased. Small businesses with more than 50 employees are fined if they don't offer health insurance.
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@Mrs. Jump Rope: I'm on a plan with no deductible, no referrals. I only pay my biweekly premium for the works. I wanted my coverage as simple as possible to get the services I want and need. I still have $25 copay for general, $35 for specialist, maternity covered 100%, accupuncture and chiro etc.
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@dc yoga bee: I wish we had that kind of plan!
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@Mrs. Jump Rope: My premium is high, but all my life I was on my parent's Tricare (military insurance), and never had a copay or heard of the word deductible. My frugal accountant husband picked out the plan when we got married, and when I went to the physical therapist I was shocked to get a bill in the mail for $300 even though I already paid the $50 copay. Yeah, a $50 copay! The insurance lady literally had to explain to me what a deductible was! Never again I said! As soon as I got my job, I looked for the most comprehensive plan, and no deductible or referrals required.
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@dc yoga bee: I don't mind a high premium, but with that kind if price tag I expect something good to come with it.
We pay a lot. A LOT. I expect an increase every year but ours is pretty outrageous.. In the last four years we've gone from no deductible and co-pay, to a plan we pay twice as much for & comes with a $1500 deductible and $6,000 co-insurance. Starting last year, prescription copays don't exist until we reach our deductible. I take Advair and it's over $300/month out of pocket.
Out wallets are bleeding!
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@Mrs. Jump Rope: Oh man that STINKS. Advair was $30 a month on my husband's plan, and I complained about that. I was used to $12 prescriptions whether it was advair, albuteral, etc. Can you try to shop around for a lower priced/more coverage plan? I know it's open enrollment for us.
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@MrsH: there's a subsidy for small business though
@Mrs. Jump Rope: and small business owners that are not insuring employees are affected in exactly the same way as any individuals in the sense you describe. -
@Mrs. Jacks: I know
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@Mrs. Jump Rope: ah, I misunderstood! (and you, my friend, deserve an insurance break!!!)
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@Mrs. Jacks: thanks!!
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@Mrs. Jacks: not all small businesses qualify. Employees also do not get subsidies if they make over the 46k limit.
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The ACA is seriously a lifesaver for us. Our insurance was through my job, but I'm now a SAHM and DH works for a small business that does not offer insurance. And private insurance that includes maternity coverage is $800 A MONTH in our area. That's almost half of DH's income! So basically, we were totally screwed. The only private insurance we could afford didn't cover maternity and still had crazy high deductibles and was quite expensive. That left us with the choice of never having a second child or going on Medicaid and letting the state (aka the taxpayers) pay for it. Thanks to the ACA we will actually be able to afford insurance that covers maternity, and I am so grateful for that.
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